National Insurance Parivar Mediclaim Policy

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      National Insurance Parivar Mediclaim Policy

      "We make a life by what we give". Parivar Mediclaim Policy by National Insurance covers your family under single floater sum insured against medical expenses and illnesses. Family cover consists of self, spouse and two dependent children.

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      Key Features

      • Pre-hospitalization expenses up to 15 days and post hospitalization expenses up to 30 days
      • Expenses incurred for particular one illness is limited to 50% of sum insured
      • Room charges are limited up to 1% of sum insured and ICU charges are limited up to 2% of sum insured
      • Operation theater charges are limited to 10% of sum insured
      • Co-payment up to 10% to 25% is admissible in case of diabetes and hypertension

      Benefits

      • Tax benefits for premium paid can be availed under section-80 D of income tax.
      • Cashless facility can be availed within network hospitals.

      Details about Premium

      Sum insured can be chosen within the range of 2 lacs to 5 lacs in multiple of Rs 50, 000. Premium will be charged on the basis of age and sum insured chosen by the proposer.

      Policy Details

      Minimum Sum Insured: 2 lacs

      Maximum Sum Insured: 5 lacs

      Policy Period: policy period for this policy is one year.

      Grace Period: In case of break in the policy, 30 days grace period is given to pay the premium. During this period coverage will not be applicable.

      Renewal of Policy: policy can be renewed till the age of 65 years.

      Waiting Period: any diseases contracted by the insured during the first 30 days from the date of commencement will not be covered under this policy.

      Documents Required

      Policyholder has to fill up an 'Application form/ proposal form' with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.

      Eligibility Criteria

      • Persons in the age limit of 18-65 years can buy this policy
      • Spouse, Dependent children between 3 months to 25 years can be covered

      Exclusions

      • All treatments other than allopathic are excluded
      • Maternity expenses are excluded
      • Dental expenses other than expenses arising out of an accident are excluded
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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